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We thrive on doing things differently

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We can pay your vet directly and help take the pressure off getting your pet the care they need, when they need it.
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We cover all unexpected conditions, including those that are specific to your pet's breed.
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With Trupanion, there are no annual or lifetime payout limits. So you can rest easy knowing your pet will get the absolute best care, regardless of cost.
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Accidents don't happen on your schedule. When you need immediate assistance for your pet, you can trust Trupanion's award-winning customer care team will be there for you 24/7. 

Terms and conditions apply. See the full policy for details.

Start your quick quote

Insurance starts for puppies & kittens from 8 weeks of age
puppy and kitten

If your puppy or kitten is younger than this, please call 855.591.3100 or email us & we will get right back to you to arrange coverage.

See how we stack up to the other companies

Trupanion veterinary pet insurance logo Nationwide/VPI
Petplan Embrace Healthy Paws

Unlimited lifetime payouts
no limits per year, per illness, or per pet

Green checkmark
Depends upon the specific plan
Depends upon the specific plan
Green checkmark

Option to pay vet directly

can work with your vet to pay the hospital directly   within minutes 

 Green checkmark Depends upon the specific plan red-x

Over 25% of claims paid in 5 minutes directly     to the hospital

 Green checkmark red-x
Coverage options 90%
Either 90% or paid out on a benefit schedule 70%, 80%, 90%
70%, 80%, 90%

60%, 70%, 80%, 90%

Deductible options Per condition
Annual deductible

Per condition annual & annual deductible options

Annual deductible Annual deductible
Customer care available 24/7
Green checkmark

Green checkmark

These comparisons are based on written documentation from each of the above companies’ public-facing websites and Policy Wordings as of October 17, 2016. Coverage options are interpreted by American Pet Insurance Company as being comparable, and American Pet Insurance Company recognizes that alternate policies, coverages, deductible levels, and coinsurance levels may be available from these providers for different premium costs.

Providers and underwriters as follows: Embrace underwritten by American Modern Insurance Group | Healthy Paws underwritten by Indemnity Insurance Company of North America | Petplan underwritten by XL Specialty Insurance Company | Nationwide underwritten by National Casualty Company or Veterinary Pet Insurance Company (CA only)

We're here when you need us, call us at 855.210.8749

Let our award-winning customer care specialists take it from here. We're even available 24/7!